Union Bank of India share price
NSE: UNIONBANKBSE: 532477BanksLarge Cap
Share price at the NSE close on 28 Oct 2026. Previous close ₹184.60.
28 Oct: open ₹182.76, high ₹183.27, low ₹180.60
- Market capMarket capitalisation. Share price times the number of shares: what the whole company is worth at the day's price. The rank is by average market value over the six months to Jun 2026, among listed companies. Market capitalisation: how it is worked out
- ₹1,39,680 Cr75th largest listed
- P/EPrice to earnings, trailing. Market cap divided by the profit of the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, after the share of the other owners of its subsidiaries: what investors pay for each rupee of a year's profit. Price to earnings, trailing: how it is worked out
- 6.35
- P/BPrice to book. Market cap divided by the net worth that belongs to the company's own shareholders, its assets less everything it owes and less the other owners' share of its subsidiaries, on its latest balance sheet. Price to book: how it is worked out
- 0.97
- Dividend yieldDividend yield. Dividends paid per share in the twelve months to the day, as a percentage of the day's share price.
- 2.73%
- ROEReturn on equity. Profit over the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, as a percentage of their net worth, the money they have in the business. Net worth is the average of the latest balance sheet and the one a year before it.
- 16.3%
- NIMNet interest margin. Net interest income ÷ the average assets that earn interest × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026. For the whole group. Net interest margin in the glossary
- 2.67%
- Gross NPAGross NPA, non-performing loans. Gross non-performing loans as a percentage of all loans, as the bank states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, where the figure is outside what it can be, where the filing's own amounts show it written on another scale or rounded to the whole per cent, where it is 0 for a bank that lends, or where it is below the net share. At the end of Sep 2026. For the company alone, not its group: the regulator measures it company by company.
- 2.42%
- Net NPANet NPA, non-performing loans. Net non-performing loans as a percentage of loans, as the bank states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, where the figure is outside what it can be, where the filing's own amounts show it written on another scale or rounded to the whole per cent, where it is 0 for a bank that lends, or where it is above the gross share. At the end of Sep 2026. For the company alone, not its group: the regulator measures it company by company.
- 0.42%
- CET1Common equity tier 1 ratio. The bank's core capital, mostly shareholders' money, as a percentage of its loans and other assets weighted by risk, as the bank states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, or where the figure is outside what it can be. At the end of Sep 2026. For the company alone, not its group: the regulator measures it company by company. Common equity tier 1 ratio in the glossary
- 16.05%
- ROAReturn on assets. Profit after tax ÷ average total assets × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. It equals net interest income + other income − operating expenses − provisions + exceptional items − tax + the lines below tax, each on the same base. For the year to Mar 2026. For the whole group. Return on assets in the glossary
- 1.25%
- Volume, NSEVolume. Shares traded on the last trading day; delivery is the part buyers kept rather than sold again the same day. Volume in the glossary
- 90,24,91262.2% delivered
About Union Bank of India
Union Bank of India is a public sector bank that provides banking products and services to individuals, farmers, small businesses, large companies and public bodies across India.123 It serves them through branches, ATMs, business correspondents (local agents who offer basic banking on the bank's behalf) and digital channels such as its Union ease mobile app.24
It reports its results in 4 segments: treasury, retail banking (which includes digital banking), corporate and wholesale banking, and other banking operations.56 Outside India, it has branches in Dubai's International Financial Centre and in Sydney, and a wholly owned London subsidiary, Union Bank of India (UK) Ltd.7 Its wholly owned Union Asset Management Co. Pvt. Ltd., which launches the schemes of Union Mutual Fund, has assets under management (money it invests for others) of ₹28,029 crore, and the bank holds 25.10% of Star Union Dai-ichi Life Insurance Co. Ltd. and 35% of Andhra Pradesh Grameena Bank.89
It was incorporated in Mumbai in 1919 and nationalised in 1969, and Andhra Bank and Corporation Bank were amalgamated into it with effect from 1 Apr 2020.10 The Government of India owns 74.76% of the bank.2
Union Bank of India key points
Results
- In the quarter to Sep 2026, net profit was ₹5,537 crore, up 30.31% from a year earlier, and operating profit (profit before provisions and tax) was ₹8,108 crore, up 18.99%.11
- Net interest income, what the bank earns on loans and investments less what it pays on deposits and borrowings, was ₹10,583 crore in the quarter, up 20.09%.12
- In the half year to Sep 2026, net profit was ₹10,870 crore, against ₹8,365 crore a year earlier.13
- On a standalone basis, net profit for the year to Mar 2026 was ₹18,697 crore, up 3.95% from ₹17,987 crore a year earlier.14
Margins, asset quality and capital
- In the quarter to Sep 2026, net interest margin (net interest income as a share of earning assets) was 2.86%, return on assets (yearly profit as a share of total assets) 1.38% and return on equity (profit as a share of shareholders' funds) 17.21%.15
- At the end of Sep 2026, gross non-performing assets (loans whose repayments have stopped) were 2.42% of loans and net non-performing assets, after provisions, 0.42%; the provision coverage ratio (money set aside against these loans, as a share of them) was 95.20%.16
- The bank's capital adequacy ratio, capital held as a share of the bank's loans and other assets weighted by their risk, was 17.94%, and the core equity ratio (CET-I) was 16.05%.17
Loan book and deposits
- Loans by segment, ₹ crore1819
Item Sep 2026 Sep 2025 Retail 2,65,323 2,38,506 Agriculture 1,89,810 1,68,405 MSME (micro, small and medium enterprises) 1,80,394 1,47,395 All loans, India and overseas 11,55,876 9,75,207 - Home loans were ₹1,14,276 crore, 43.07% of retail loans, and vehicle loans ₹31,613 crore, 11.91%.20
- Global deposits (India and overseas) were ₹13,19,455 crore at the end of Sep 2026, against ₹12,34,621 crore a year earlier; current and savings accounts (CASA, the lowest-cost deposits) were 34.93% of domestic deposits, against 32.56%.1921
- The bank's green finance portfolio was ₹37,435 crore at the end of Mar 2026, including ₹33,572 crore lent to renewable energy.22
Branches and reach
What the company expects
- In its presentation of 19 Oct 2026, the company said its board had approved a capital plan of ₹8,000 crore for the year to Mar 2027: ₹3,000 crore of equity and ₹5,000 crore of capital bonds (bonds that count towards its regulatory capital).25
- On its earnings call of 15 Jul 2026, the company said it expects loans to keep growing at 12% to 13% or more, with deposit growth in a similar range, about 2% lower.26
- The company stated in its annual report for the year to Mar 2026 that its Union Bank @2031 plan aims for a CASA ratio of 38% and a cost-to-income ratio (operating costs as a share of income) below 45%.27
- The company said its Union Bank @2031 plan also aims to double its MSME business and reach a return on assets of 1.50%.28
Recent events
- On 6 Oct 2026, S&P Global Ratings reaffirmed the bank's issuer credit rating at BBB with a stable outlook.29
- The bank's Dubai International Financial Centre branch issued $300 million of 5.230% notes due 2029 and $300 million of 5.417% notes due 2031, which Fitch rated BBB- on 27 Aug 2026.30
- On 20 Mar 2026, the bank accepted bids of ₹3,000 crore for long-term bonds for infrastructure and affordable housing at a coupon of 7.16%, against bids of ₹9,379.82 crore.31
Last updated
All 31 sources, each with its page
- 1. Annual report, 18 Jun 2026, page 667
- 2. Annual report, 18 Jun 2026, page 373
- 3. Annual report, 18 Jun 2026, page 454
- 4. Annual report, 18 Jun 2026, page 451
- 5. Annual report, 18 Jun 2026, page 639
- 6. Annual report, 18 Jun 2026, page 640
- 7. Annual report, 18 Jun 2026, page 470
- 8. Investor presentation, 19 Oct 2026, page 27
- 9. Annual report, 18 Jun 2026, page 667
- 10. Exchange filing, 12 Dec 2025, page 4
- 11. Investor presentation, 19 Oct 2026, page 5
- 12. Investor presentation, 19 Oct 2026, page 5
- 13. Investor presentation, 19 Oct 2026, page 5
- 14. Annual report, 18 Jun 2026, page 373
- 15. Investor presentation, 19 Oct 2026, page 6
- 16. Investor presentation, 19 Oct 2026, page 6
- 17. Investor presentation, 19 Oct 2026, page 5
- 18. Investor presentation, 19 Oct 2026, page 10
- 19. Investor presentation, 19 Oct 2026, page 4
- 20. Investor presentation, 19 Oct 2026, page 10
- 21. Investor presentation, 19 Oct 2026, page 12
- 22. Annual report, 18 Jun 2026, page 372
- 23. Investor presentation, 19 Oct 2026, page 3
- 24. Investor presentation, 19 Oct 2026, page 3
- 25. Investor presentation, 19 Oct 2026, page 21
- 26. Earnings call, 15 Jul 2026, page 6
- 27. Annual report, 18 Jun 2026, page 371
- 28. Annual report, 18 Jun 2026, page 371
- 29. Exchange filing, 7 Oct 2026, page 1
- 30. Exchange filing, 27 Aug 2026, page 2
- 31. Exchange filing, 20 Mar 2026, page 1
Results
Consolidated; ₹ crore. Total income is interest earned plus other income, fees and treasury gains among it.Union Bank of India quarterly results
- Total income growth, 12 monthsTotal income growth, 12 months. The last twelve months against the twelve before them. Left empty where the earlier figure was nought or a loss: growth out of a loss has no percentage.
- +0.3%
- Net profit growth, 12 monthsNet profit growth, 12 months. The last twelve months against the twelve before them. Left empty where the earlier figure was nought or a loss: growth out of a loss has no percentage.
- +19.0%
Quarter to Sep 2026, against the quarter before
- Total incomeTotal income. The pill is the change in total income against the quarter before: this period's figure divided by that one's, less one, in per cent. Total income in the glossary
- ₹33,471 Crup 2.48%
- Net profitNet profit. The pill is the change in net profit against the quarter before: this period's figure divided by that one's, less one, in per cent. Net profit in the glossary
- ₹5,781 Crup 2.47%
Total income by quarter
Net profit by quarter, a loss in red
| ₹ crore | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|
| Total income | 31,749 | 34,092 | 32,344 | 32,215 | 32,002 | 32,675 | 32,660 | 33,471 |
| Net profit | 4,623 | 5,011 | 4,428 | 4,426 | 5,073 | 5,504 | 5,642 | 5,781 |
Year to Mar 2026, against the year before
- Total incomeTotal income. The pill is the change in total income against the year before: this period's figure divided by that one's, less one, in per cent.
- ₹1,28,400 Crdown 1.22%
- Net profitNet profit. The pill is the change in net profit against the year before: this period's figure divided by that one's, less one, in per cent.
- ₹19,430 Crup 7.78%
Total income by year
Net profit by year, a loss in red
- Net profit
- Loss
| ₹ crore | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Total income | 38,247 | 38,414 | 39,355 | 43,268 | 83,211 | 81,754 | 97,079 | 1,18,188 | 1,29,979 | 1,28,400 |
| Net profit | 573 | −5,212 | −2,922 | −3,121 | 2,863 | 5,265 | 8,512 | 13,797 | 18,027 | 19,430 |
Business segments
Share of revenue, year to Mar 2026, consolidated.Segment revenue and profit
- Retail Banking OperationsRetail Banking Operations, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹47,574 Crup 5.50%38.4%
- Corporate/Wholesale Banking OperationCorporate/Wholesale Banking Operation, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹44,379 Cr35.8%
- Treasury OperationTreasury Operation, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹30,107 Crdown 8.34%24.3%
- Other Banking OperationsOther Banking Operations, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹1,745 Crdown 29.19%1.4%
Valuation
Today, against the company's own history.Union Bank of India PE ratio and valuation
At or below today's level on 48% of 1,239 trading days over the last 5 years.
At or below today's level on 70% of 1,199 trading days over the last 5 years.
At or below today's level on 75% of 2,449 trading days over the last 10 years.
Where the return came from
Yearly rates to Mar 2026, per-share figures restated for splits and bonuses.
| Over | Return a year | Earnings growth | Change in P/E | Dividend yield |
|---|---|---|---|---|
| 1 year | +33.2% | +7.7% | +20.8% | 3.0% |
| 3 years | +38.2% | +26.9% | +6.5% | 3.1% |
| 5 years | +40.7% | +41.6% | −3.3% | 3.7% |
Mutual fund holdings
212 funds disclosed a holding for Sep 2026. What they did in Sep 2026, against each fund's month before. 148 of the 159 funds that added or cut are index funds, ETFs or arbitrage funds: an index fund or ETF holds what its index holds, and an arbitrage fund holds the share against a sale of its future. 1 more fund filed its first portfolio on record, holding it.All 212 funds holding Union Bank of India
- Bought for the first timeBought for the first time. Funds that held it at the month's end and had not held it in any month on record before.
- 2
- Bought againBought again. Funds that held it at the month's end, had not held it the month before, and held it in an earlier month.
- 3
- AddedAdded. Funds that held more shares than at the end of the month before.
- 82
- CutCut. Funds that held fewer shares than at the end of the month before.
- 77
- Held unchangedHeld unchanged. Funds that held the same number of shares as at the end of the month before.
- 47
- Sold outSold out. Funds that held it at the end of the month before and hold none at this month's end. Sold out in the glossary
- 4
| Fund | |||
|---|---|---|---|
| 8,99,86,066 | 1.51% | ₹1,538.8 Cr | |
| 4,13,91,115 | 0.87% | ₹707.8 Cr | |
| 2,21,49,292 | 9.63% | ₹378.8 Cr | |
| 1,60,00,000 | 0.55% | ₹273.6 Cr | |
| 1,57,31,755 | 4.66% | ₹269.0 Cr | |
| 1,40,34,677 | 9.64% | ₹240.0 Cr | |
| 1,32,42,537 | 2.86% | ₹226.4 Cr | |
| 1,23,09,209 | 0.69% | ₹210.5 Cr | |
| 1,10,13,825 | 0.25% | ₹188.3 Cr | |
| 99,12,000 | 0.37% | ₹169.5 Cr |
Promoter and insider buying and selling
Trades made since 29 Oct 2025.Union Bank of India insider trading
No promoter, director, key manager or employee bought or sold on the market.
- Others: no market trade · 3 pledge filings of unclear kind
Union Bank of India competitors and peers
Public Sector Bank, 12 listed companies, priced on 28 Oct 2026. The table lists the 8 companies closest to Union Bank of India in market cap.Finance companies
Where the company sits among the companies nearest its size
| Company | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| 8,83,200 | 10.24 | 1.44 | +6.6% | +8.5% | 15.4% | 1.11% | 2.84% | 1.81% | |
| 1,38,272 | 6.05 | 0.86 | +2.9% | +34.2% | 15.1% | 0.95% | 2.40% | 2.49% | |
| 1,19,883 | – | 0.72 | +2.7% | – | – | 0.98% | 2.83% | 3.67% | |
| 1,13,118 | 8.56 | 1.30 | +12.4% | +17.2% | 16.1% | 1.25% | 3.07% | 2.17% | |
| 1,06,870 | 5.24 | 0.83 | −6.8% | +17.7% | 16.8% | 0.99% | 2.21% | 3.56% | |
| 61,494 | 7.68 | 1.65 | +16.6% | +31.5% | 23.3% | 1.76% | 3.83% | 2.75% | |
| 60,505 | 4.84 | 0.64 | +9.1% | +29.7% | 14.1% | 0.92% | 2.47% | 3.50% | |
| 55,883 | 8.39 | 1.39 | +14.2% | +51.3% | 17.9% | 1.25% | 3.17% | 0.00% |
Dividends
Per share, by the year it was paid for, and the latest payments.Union Bank of India dividend history
Dividend per share, ₹, restated for later splits and bonuses
Dividend per share. The dividends declared for the year, each restated to today's share count by the splits and bonuses after its own ex-date, added up. Dividend per share in the glossary| Ex-date | Type | Per share |
|---|---|---|
| 3 Jul 2026 | FinalFinal dividend. Called final by its date: the company did not say which kind it was, and it went ex within six months after the company's year end, the time in which the annual general meeting that declares the final dividend must be held. Final dividend in the glossary | ₹5.00 |
| 25 Jul 2025 | Final | ₹4.75 |
| 19 Jul 2024 | Final | ₹3.60 |
| 28 Jul 2023 | Final | ₹3.00 |
| 22 Jun 2022 | Final | ₹1.90 |
| 17 Jun 2016 | Final | ₹1.95 |
Latest announcements
Routine notices left out.Union Bank of India announcements
Oct 2026
19 Oct · Results
14 Oct · Analysts
13 Oct · Board meeting
8 Oct · Rating
7 Oct · Rating
Union Bank of India share price by year
Each calendar year to 2025.Union Bank of India share price history
| Year | Close at year end | Change | Highest close | Lowest close |
|---|---|---|---|---|
| 2025 | 153.76 | +27.7% | 156.29 | 101.25 |
| 2024 | 120.37 | +1.1% | 170.00 | 108.24 |
| 2023 | 119.10 | +48.1% | 128.30 | 61.60 |
| 2022 | 80.40 | +85.3% | 94.30 | 33.75 |
| 2021 | 43.40 | +37.6% | 54.05 | 29.50 |
| 2020 | 31.55 | −42.4% | 55.15 | 22.85 |
| 2019 | 54.80 | −36.2% | 98.80 | 49.00 |
| 2018 | 85.90 | −40.5% | 148.90 | 62.15 |
| 2017 | 144.30 | +17.2% | 190.50 | 125.55 |
| 2016 | 123.10 | −17.2% | 157.10 | 105.35 |
Recent sessions
The 9 trading days to 27 Oct 2026, as traded on NSE; the latest is at the top of the page.
| Date | Open | High | Low | Close | Average price | Volume | Delivery |
|---|---|---|---|---|---|---|---|
| 27 Oct 2026 | 182.66 | 185.42 | 181.57 | 184.60 | 183.25 | 2,03,59,161 | 55.7% |
| 26 Oct 2026 | 178.30 | 181.94 | 177.30 | 181.20 | 180.57 | 1,43,49,422 | 52.4% |
| 23 Oct 2026 | 183.00 | 183.59 | 177.66 | 178.90 | 179.47 | 1,22,19,529 | 52.6% |
| 22 Oct 2026 | 182.95 | 185.54 | 180.20 | 182.85 | 182.39 | 2,50,73,585 | 50.6% |
| 21 Oct 2026 | 182.00 | 186.00 | 180.11 | 182.00 | 182.54 | 2,14,67,851 | 34.1% |
| 19 Oct 2026 | 172.90 | 182.99 | 172.42 | 180.70 | 179.11 | 4,58,83,930 | 29.0% |
| 16 Oct 2026 | 173.79 | 174.10 | 170.74 | 171.68 | 172.19 | 1,90,59,193 | 56.6% |
| 15 Oct 2026 | 174.87 | 174.87 | 167.50 | 172.68 | 171.53 | 1,70,76,672 | 43.5% |
| 14 Oct 2026 | 172.58 | 175.25 | 170.49 | 174.00 | 173.00 | 2,39,06,312 | 54.4% |
Price adjustments
What the price chart is corrected for, so it reads as one share held throughout.
| Ex-date | Event | Price factor | What happened |
|---|---|---|---|
| 25 Oct 2017 | Price move | – | Between two trading sessions the price moved by a fifth or more. At least 3 other companies in the same industry moved as much the same way that session. Not adjusted for. |
Company details
- NSE symbol
- UNIONBANK
- BSE code
- 532477
- ISIN
- INE692A01016
- Industry
- Banks
- Website
- www.unionbankofindia.co.in
- Registered office
- Investor Services Division, Board Secretarial, 12th Floor,, 239, Vidhan Bhavan Marg, Union Bank Bhavan, Nariman Point, Mumbai 400021, Maharashtra
- Share registrar
- KFin Technologies Ltd
- Keeps the register of shareholders and handles transfers and dividend payments